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Ascent Bank
Helena, MT · FDIC Certificate #20162 · Chartered 04/1
Total assets
$104.06M
Total deposits
$92.42M
Total equity
$9.45M
Net loans
$81.38M
Branches (offices)
2
Net income (YTD)
$660.00K
Rank: #3,651 of 4,213 U.S. banks by assets · #30 of 35 in Montana. Assets changed -2.1% and deposits -1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.24% |
| Return on equity | 13.56% |
| Net interest margin (YTD) | 4.56% |
| Equity to assets | 9.08% |
| Tier 1 leverage ratio | 8.69% |
| Uninsured deposits (share of deposits) | 14.1% |
| Noncurrent loans (share of loans) | 2.51% |
| Net charge-offs (share of loans) | 0.47% |
| Loans to deposits | 88.1% |
| Real estate loans (share of loans) | 86.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $70.33M | 86.4% | |
| Commercial & industrial | $9.48M | 11.7% | |
| Consumer / individual | $1.37M | 1.7% | |
| Construction & development | $4.12M | 5.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $76.66M | $68.69M | $177.00K | $7.69M |
| Jun 2023 | $90.74M | $81.34M | $157.00K | $7.19M |
| Jun 2024 | $96.58M | $85.66M | $279.00K | $8.64M |
| Jun 2025 | $106.25M | $93.92M | $717.00K | $9.80M |
| Jun 2026 | $104.06M | $92.42M | $660.00K | $9.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Montana | $92.42M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $92.42M.
Similar-sized banks
Strasburg State Bank ($104.17M) · Owingsville Banking Company ($104.06M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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